Travel Insurance Against FCDO Advice

To be covered, you need to have received all doses of the COVID vaccine that you’ve been offered, including any booster jabs.

You can also be covered if you can’t have the vaccine due to a medical exemption.

If you have refused any doses of the COVID vaccine or any booster jab, then you won’t be covered for COVID related claims.

You won’t be covered to cancel your trip if Foreign Office advice changes and you decide not to travel.

But if you need to cancel your holiday because of something unexpected, you can still be covered up to your cancellation limits. So, if you have a medical emergency before you go that means you can’t travel, you can be covered to cancel your trip.

All new policies (from 29 April 2021) with our European FCDO Travel Advice Extension add-on can cover you for:

- Emergency medical expenses if you test positive and fall ill with COVID-19 on holiday (only if you’ve had the recommended COVID-19 vaccinations)

- Up to £1,000 for additional accommodation and travel expenses if the FCDO advise travellers to return to the UK when abroad

You won’t be covered for anything caused by or related to COVID-19 while you’re away if you bought your policy before 29 April 2021.

The European FCDO Travel Advice Extension can cover destinations in Europe, as well as Morocco, Tunisia, Turkey and Egypt.

You can declare your medical conditions through our online medical screening process, which is a straightforward set of questions for us to understand how your medical condition affects you. Or, if you prefer, you can complete the medical screening over the phone.

It’s important that all pre-existing conditions are declared on your medical travel insurance.

This will avoid large medical bills if you need treatment in another country. Failure to disclose any pre-existing medical conditions may affect the validity of your policy should you need to claim.

FCDO (previously the FCO) advice will determine if your travel insurance policy covers you for travel, not the travel traffic light system.

If FCDO advice says it’s safe to travel to your destination, you will be covered with a new policy, even if the destination is on the amber list.

If advice is against ‘all but essential travel’ and you need to make essential travel, choose our European FCDO Travel Advice Extension add-on to travel with valid cover.